Ant Bank

Ant Bank (Hong Kong) is an HKMA virtual bank. AlipayHK is how people find it. DPS is how deposits come back. Airstar is the Xiaomi-shaped peer. Neither is a stored-value facility.

Ant Bank (Hong Kong) Limited launched in 2020, wholly owned by Ant International. Official partner of AlipayHK. Member of the Deposit Protection Scheme. The bank and the wallet are different legal objects — this desk will keep saying that.

Ant Bank lists Virtual / digital bank — Ant Bank (Hong Kong) Limited under HKMA in Hong Kong. On safeguarding we currently write: Hong Kong DPS up to HK$800,000 per depositor per bank. Holder / issuer line: Ant Bank (Hong Kong) Limited. An AML programme is claimed. There is no IBAN-class local rail on the flags we store. We list 1 live markets on the product. As we score the sticker: monthly Digital-bank SKU — confirm live; FX HKD/USD dual savings; spread still exists; ATM Network schedule; interest eM+ daily interest pitch — rates move. This desk would open it for: Hong Kong residents already in AlipayHK who want a DPS bank, not a wallet.

What it does well: HKMA bank; DPS HK$800k; AlipayHK distribution. What to watch: HK residency; Ant parent is not the deposit; Not a UK/EU IBAN. Desk score 7.3 / 10 (safety 8.2, fees 7.6, features 7.6, app 7.8). Last verified 2026-08-28. Headquartered in Hong Kong, Hong Kong; founded 2020. None of this is advice — it is a file so you can read the entity before the card colour.